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POLICY NO.: CA-FXDD-ICL-81451-1-22-221534503 ALTA Homeowner’s Policy of Title Insurance (12-2-13 ) Page 9 Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA Licensees and ALTA Members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. HHOOMMEEOOWWNNEERR’’SS PPOOLLIICCYY OOFF TTIITTLLEE IINNSSUURRAANNCCEE FFoorr aa oonnee--ttoo--ffoouurr ffaammiillyy rreessiiddeennccee Issued by Commonwealth Land Title Insurance Company CONDITIONS 1. DEFINITIONS a. Easement – the right of someone else to use the Land for a special purpose. b. Estate Planning Entity – A legal entity or Trust established by a Natural Person for estate planning. c. Known – things about which You have actual knowledge. The words “Know” and “Knowing” have the same meaning as Known. d. Land – the land or condominium unit described in paragraph 3 of Schedule A and any improvements on the Land which are real property. e. Mortgage – a mortgage, deed of trust, trust deed or other security instrument. f. Natural Person – a human being, not a commercial or legal organization or entity. Natural Person includes a trustee of a Trust even if the trustee is not a human being. g. Policy Date – the date and time shown in Schedule A. If the insured named in Schedule A first acquires the interest shown in Schedule A by an instrument recorded in the Public Records later than the date and time shown in Schedule A, the Policy Date is the date and time the instrument is recorded. h. Public Records – records that give constructive notice of matters affecting Your Title, according to the state statutes where the Land is located. i. Title – the ownership of Your interest in the Land, as shown in Schedule A. j. Trust – a living trust established by a Natural Person for estate planning. k. We/Our/Us – Commonwealth Land Title Insurance Company l. You/Your – the insured named in Schedule A and also those identified in Section 2.b. of these Conditions. 2. CONTINUATION OF COVERAGE a. This Policy insures You forever, even after You no longer have Your Title. You cannot assign this Policy to anyone else. b. This Policy also insures: (1) anyone who inherits Your Title because of Your death; (2) Your spouse who receives Your Title because of dissolution of Your marriage; (3) the trustee or successor trustee of Your Trust or any Estate Planning Entity created for You to whom or to which You transfer Your Title after the Policy Date; (4) the beneficiaries of Your Trust upon Your death; or (5) anyone who receives Your Title by a transfer effective on Your death as authorized by law. 1927 & 1929 S Hickory St2/12/2025